With this credit card, you can get access to Amex Offers, which often offers very good discounts at some stores. In the past we have seen offers like: Spend $15 or more and get $5 back at Walmart; Spend $75 or more and get $25 back on Amazon.com.

Refer a friend: You can earn 10,000 bonus Hilton points for every approved account you refer, up to 80,000 Hilton Points per calendar year.

No foreign transaction fee.

Disadvantages

The 5x bonus categories are limited within the United States.

Recommended Application Time

Note that AmEx has a policy: If you currently or have previously held a specific AmEx credit card, you will not be eligible for the welcome bonus offer. So if you want to squeeze the highest rewards from credit cards, you should apply for the sign-up bonus first, and then take the upgrade offer, and then possibly go on upgrading/downgrading.

You can get the sign-up bonus once per lifetime, so be sure to apply when the historically highest offer appears.

AmEx doesn’t tend to care about the number of hard pulls.

You should try to apply for it once you have a credit history of 6 months.

Only 2 AmEx credit cards can be approved within 90 days, but this rule does not apply to charge cards. Multiple cards approved in the same day will only have one Hard Pull.

You can keep at most 5 AmEx credit cards, but this rule does not apply to charge cards.

Summary

The sign-up bonus is decent, so it’s worth applying. Because it has no annual fee, it is a good downgrading option, and there’s no harm to keep for long time.

Related Credit Cards

After Applying

AmEx reconsideration backdoor number: 877-399-3083. The “real” backdoor number of Amex is well protected. Different from Chase, the representatives from this AmEx reconsideration backdoor number only have the right to help you submit requests.

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